[Resolved]  Standard Chartered Credit Card — Apology and compensation

Address:

Bangalore, Karnataka

Hi,

My name is Nandita Das and I am residing in Bangalore. I was having a Barclays credit card in which I had an outstanding of INR 4000. I was making installment payments when Barclay credit card was taken over by Standard Chartered.

On this acquisition I never received my new card and no information on the new card number from Standard Chartered Bank. I kept calling Barclay card when they confirmed that Standard Chartered Bank would get back to me. As I did not have any information on Standard Chartered Card number due to which I could not make the payment for 3 to 4 months. I tried calling Standard Chartered Customer Care but there also in the IVR menu we need the card number , card validity date to get through the customer care which I did not have.

For very long this continued for about 4 to 5 months when suddenly one day I got a statement (Card Number mentioned in the statement – [protected]) which stated my outstanding balance had become 9000 due to late payment fee and interest charges. How could I have made the payment without the card number and card validity date.

The moment I received the statement I called customer care and made a payment of INR 5000 which is more than my actual outstanding balance.
I requested for call back and registered complaint with customer care for reversal of late payment charges. I also wrote mails to Standard Chartered Head office and customer care where they replied that they would get back to me but never did so. After that again I received a statement which had outstanding balance to which I made another payment of INR 1000 post which I again complained to resolve the issue as I did not want to pay for the mistake the bank has made.

Since from few months i have not been able to do the further payment as the bank has introduce a new IVR menu which ask for the type of card (Visa or Master Card) and the validity date of the card which i dont know as i have never received the Standard Chartered card, it is same in case of online payment as well.

It has continued in this manner for months when we complained to the Nodal Office about the issue to which I received a call from Standard Chartered Bangalore office, Mr. Anandam Das[protected] who assured me that I would get a call back from the service team in 2 to 3 working days and its 1 month now that I did not receive the call. I have received one more statement which says my outstanding balance is INR 10885. My actual outstanding was INR 4000 in Barclay card, I have paid INR 6000 till date and current outstanding is INR 10885 because the bank has faulted to deliver my new card and send the card information. I need compensation of the current outstanding(INR 10885) + INR 2000 which I have paid extra till date.

I demand an apology letter from the bank as because of the bank's faulty system my CIBIL rating has got spoiled and i will not be eligible for any kind of loan facility in future. I also demand the closure of my card with Standard Chartered Bank and compensate for everything happened till date.

With utmost faith in consumer court I Hereby request you to kindly help us out from this.

Yours faithfully
Nandita Das
nandita.[protected]@gmail.com